BYOB -Becoming Your Own Bank

1. BANKING STRATEGIES PRESENTATION

4. 1% will RETIRE VERY WEALTHY 1% 36% 4% 5% 54% Statistics Show Americans At Age 65 What can you do differently to ensure you won’t end up in the majority? 40 60 80 100 Wealthy Working Secure Passed Away Broke 20

5. Even in Good Times These Issues Have Plagued America Where does your money actually go? Adapted from study done by North Dakota State University Savings/Investments 3% Eliminating debt, minimizing taxes, and utilizing the right kind of insurance can potentially give you a 60-70% pay increase, and help you build a solid, tax-free retirement in the process!

6. Money Flow and Banking Strategies

7.  Your Lifetime Earning Potential $5k $1m $1.5m $2m 25 yrs 45 yrs 65 yrs Income Years/Age

8. $2,000,000 In Lifetime Money Payments To Debt Federal & State Taxes Savings & Retirement (New Savings Potential)

9. Imagine Earning A 35% Raise? You can by simply redirecting interest you already paid to the banks and financial institutions.

10. What Are You Really Earning?

11. 4 PILLARS Of Financial Freedom

12. Banker’s Optimal System of Security

17. If You Can’t Beat Them - Join Them

18. What If YOU Could Be The Bank? What chair would you sit in? Saver Borrower Banker Bank Owner

22. Current Debt Schedule Debt Acceleration Schedule Results will vary and are determined by individual financial situations. The information contained herein does not constitute an offer or a solicitation to lend or extend credit. Contact your independent agent for further details. Year Principal Paid Interest Paid Total Paid 1 $6,699.27 $14,199.45 $20,898.72 2 $13,903.30 $27,894.14 $41,797.44 3 $21,650.99 $41,045.17 $62,696.16 4 $29,984.35 $53,610.53 $83,594.88 5 $38,948.74 $65,544.88 $104,493.62 6 $42,282.13 $77,027.29 $119,309.42 7 $45,824.60 $88,300.62 $134,125.22 8 $49,589.88 $99,351.14 $148,941.02 9 $53,592.69 $110,164.13 $163,756.82 10 $57,848.88 $120,723.74 $178,572.62 11 $62,375.63 $131,012.79 $193,388.42 12 $67,191.49 $141,012.73 $208,204.22 13 $72,316.57 $150,703.45 $223,020.02 14 $77,772.75 $160,063.07 $237,835.82 15 $83,583.97 $169,067.65 $252,651.62 16 $89,776.35 $177,691.07 $267,467.42 17 $96,378.71 $185,904.51 $282,283.22 18 $103,422.79 $193,676.23 $297,099.02 19 $110,943.80 $200,971.02 $311,914.82 20 $118,992.34 $207,749.57 $326,741.91 21 $127,122.24 $214,008.87 $341,131.11 22 $135,753.57 $219,766.74 $355,520.31 23 $144,917.27 $224,992.24 $369,909.51 24 $154,646.17 $229,652.54 $384,298.71 25 $164,975.11 $233,712.80 $398,687.91 26 $175,941.13 $237,135.98 $413,077.11 27 $187,583.51 $239,882.80 $427,466.31 28 $199,943.97 $241,911.54 $441,855.51 29 $213,066.78 $243,177.93 $456,244.71 30 $227,000.00 $243,634.94 $470,634.94 Year Principal Paid Interest Paid Total Paid 1 $13,542.84 $13,947.87 $27,490.71 2 $28,176.18 $26,730.17 $54,906.35 3 $41,191.46 $38,381.22 $79,572.68 4 $57,950.28 $49,041.52 $106,991.80 5 $75,743.21 $58,668.16 $134,411.37 6 $94,633.57 $67,197.37 $161,830.94 7 $114,689.05 $74,561.46 $189,250.51 8 $135,981.54 $80,688.57 $216,670.11 9 $158,587.27 $85,502.41 $244,089.68 10 $182,587.29 $88,921.96 $271,509.25 11 $208,067.57 $90,861.25 $298,928.82 12 $227,000.00 $91,286.88 $318,286.88 Interest Saved $152,348.06 Years to Payoff 11.7 Time Savings 18.4 12 $67,191.49 $141,012.73 $208,204.22 12 $227,000.00 $91,286.88 $318,286.88

23. The Money Merge Account® Program helps you manage your cash flow with optimal efficiency. How The Money Merge Account® Program Works For You So you can maximize every available dollar to your advantage – instead of the banks! Results will vary and are determined by individual financial situations. The information contained herein does not constitute an offer or a solicitation to lend or extend credit. Contact your independent agent for further details.

28. Banking Concepts Loss Option #1 Lease 10 Vehicles (-$252,500) Option #2 Finance (-$202,222) Option #3 Cash $40,000 Option #4 BOSS $787,738 Gain Growth Over 40 Years Loss Over 40 Years

32. Full Circle Financial Solution Your Money Flow Banking Systems Banking Strategies

33. Road To Financial Freedom

34. Get with your UFirst Alliance advisor for a free no obligation analysis! Begin Your Road to Financial Freedom Today!